Shopping for auto insurance by quoting online is easy and at the same time you might just save a little. The key is to compare as many rate quotes as possible so you can compare the lowest prices.

Consumers not familiar with comparison shopping may think buying cheap 2004 insurance is hard. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

What factors impact the rate you pay?

Auto insurance rates for a 2004 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Although newer vehicles may have a trim level with safety features included like all-wheel drive, a rollover prevention system, and adaptive headlights so those may provide discounts that lower premiums.

Liability coverages - Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision - Collision coverage covers damage to your caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is not an option in every state but can be used in place of medical payments coverage.